Purchasing a home is one of the largest investments most people will ever make, and it can be an exciting and stressful process. By working with an experienced lender that owns your application from pre-qualification until closing and beyond, you can minimize that stress and enjoy the excitement of buying a new home. Whether you’re a first-time buyer or an experienced homeowner, you will find my process distinct, more efficient, and more financially comprehensive than those of other lenders. To see what my past clients have to say about my team, check out my Zillow Reviews.
Communication and availability are keys to my process. I will keep you and your REALTOR® up to date as we reach milestones in the loan process, in addition to communicating weekly status updates. Nothing is more frustrating than not being able to get an answer when you want it, so you and your REALTOR® will have access to me through my office, cell phone, email, text messaging and my personal mobile app. My personal touch and open line of communication are part of what sets me apart from other lenders.
Your initial application and consultation will help us determine what loan program best fits your needs. Your consultation will include a credit report and scores, estimates for monthly payments and your total cash investment. I will also provide a Total Cost Analysis to help you compare your options and determine the best product for you and your family.
Once we have completed our consultation, selected the correct loan, and collected necessary documentation, we will begin processing your application. This can be done before or after you’ve put a home under contract but you can negotiate with more confidence if we start prior to your contract negotiations.
Processing is the stage where we prepare your loan for underwriting and the appraisal and title work are ordered. My assistant and loan processor team are in my office with me everyday and work hard to prepare your file. Their diligence results in a well organized and properly documented file that makes underwriting approval easier.
Underwriting is the process we use to determine loan approval. It involves evaluating the property, your income, assets, and credit report to determine your ability to pay the mortgage. After initial underwriting review, you will receive a conditional loan approval with a list of conditions to satisfy for final approval.
Following approval from our underwriting department, your file goes to our closing department. I work personally with my closer to ensure the closing of your loan goes smoothly and occurs on time.
Certainly you may have some anxiety when applying for a mortgage, but if you understand the process, obtaining mortgage approval will be far less worrisome. Obtaining a mortgage typically takes about 3 to 4 weeks, but can happen more quickly when needed. My goal is to make your mortgage loan experience as effortless as possible.